Reference

Your Rights and Our Terms at w18

We've put every policy that governs your account — from data handling and cookie use to account security and dispute resolution — in one place so you can…

Jurisdiction-Aware TermsData Rights CoveredAccount Security PolicyCookie Consent ControlsDispute Resolution Path

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How Our Terms Apply to Your Account

w18 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

The terms that govern your w18 account are applied in the jurisdiction where access is permitted under local law. If you fund your account via UPI, Paytm or PhonePe, the transaction is processed under the payment provider's own terms alongside ours — both sets of terms

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apply at the point of transfer. We retain account data for the period required by applicable law and delete or anonymise records beyond that retention window. Cookies placed during your session are covered under our cookie policy, and you can manage or withdraw consent at any
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time through the account preferences panel. Any changes to these terms are communicated via the registered email on your account before they take effect, giving you time to review before the update applies.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

POLICY CONTACT PATHS

Reach Us About Any Legal or Policy Question

Email Support Send your legal query, data-access request or account dispute to our policy team by email. We aim to acknowledge within 24 hours and resolve within five working days for standard requests.

Live Chat Our live chat agents can route urgent account or policy matters directly to the compliance desk. Available daily; response times are typically under three minutes during India business hours.

Written Request For formal data-subject requests — access, correction or deletion — submit a written request through the in-account support form. We process these in line with applicable data-protection requirements.

HOW WE HANDLE YOUR DATA

Security, Retention and Account Integrity at w18

Every layer of how we store, protect and use your account data is outlined here.

Data Storage

Account data is stored on encrypted servers. We do not sell or share your personal details with third-party marketing platforms. Access is restricted to authorised internal teams under strict role-based controls.

Cookie Policy

We use session and analytics cookies to keep your lobby preferences intact and to measure page performance. You can view which cookies are active and withdraw consent category by category in account settings.

Account Security

Two-step verification is available on all accounts. Login attempts from unrecognised devices trigger an email alert to your registered address. Password reset links expire within 15 minutes for your protection.

Data Retention

We hold transactional records — including UPI, Paytm and PhonePe payment history — for the period mandated by law, then delete or anonymise them. You can request a copy of your data at any time.

Your Access Rights

You have the right to access, correct or request deletion of the personal data we hold. Submit a request through the in-account form or by email; we confirm receipt within one working day.

Dispute Resolution

If you disagree with a policy decision or account action, raise a formal dispute through the support portal. Our compliance team reviews each case independently and responds with a written outcome within seven days.

Common Questions About w18 Policy and Your Rights

If something in our terms is unclear or you want to know exactly how a policy applies to your account, these answers cover the questions we hear most often from account holders in India.

Log in, go to Account Settings and select Data Request, or email our policy team directly. We acknowledge every request within one working day and deliver your data summary within five working days.

Yes. Submit a deletion request through the in-account support form. We will remove or anonymise your personal data except for records we are legally required to retain, such as transaction logs under applicable financial law.

Applicable law depends on the jurisdiction in which access is permitted. Access and eligibility depend on local law and are available where local law permits. The terms specify the governing law in full in the version linked from your account dashboard.

We use session cookies to maintain your lobby state and analytics cookies to improve page performance. You can disable non-essential cookies at any time through the Cookie Preferences panel in account settings without losing core account functionality.

Payment records including UPI, Paytm and PhonePe transactions are retained for the legally required period. After that window, records are deleted or anonymised. You can view your transaction history inside the account wallet at any time.

Raise a formal dispute via the support portal or by emailing the compliance team with your account ID and a description of the issue. Our team reviews disputes independently and provides a written outcome within seven working days.

Yes. We send a notification to your registered email address before any material change to these terms takes effect. The email includes a summary of what is changing and a link to the full updated document for your review.

Your Rights and Our Terms at w18

Reach Us About Any Legal or Policy Question

Security, Retention and Account Integrity at w18

Data Storage

Cookie Policy

Account Security

Data Retention

Your Access Rights

Dispute Resolution

Common Questions About w18 Policy and Your Rights

01 How do I request a copy of the data w18 holds about me?

02 Can I ask for my account data to be deleted?

03 Which law governs my w18 account terms?

04 How does w18 use cookies and can I turn them off?

05 What happens to my UPI or Paytm transaction records?

06 How do I dispute a policy decision on my account?

07 Will I be told before the terms change?

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